Total monthly cost of ownership
Cost to Own a Home in Continental, Ohio
A $150,000 home here costs
$1,318per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $771. The real number is $547 higher every month — 71% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Continental against Putnam County and Ohio
| Measure | Continental | Putnam County |
|---|---|---|
| Median home value | $150,400 | $191,600 |
| Median property tax | $1,480 | $1,870 |
| Effective tax rate | 0.984% | 0.976% |
| Median gross rent | $656 | $857 |
| Population | 1,387 | 34,352 |
The weather behind that power bill
Continental sits in Putnam County, which averages a high of 84.1°F in its hottest month and a low of 19.4°F in its coldest, with 38.67" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 896 cooling and 5,843 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Putnam County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Putnam County
Common questions
How much does it cost to own a home in Continental?
A $150,000 home in Continental, Ohio costs approximately $1,318 per month with 20% down at 6.66%. That is $771 principal and interest, $123 property tax, $56 homeowners insurance, $243 utilities and $125 set aside for maintenance.
What is the property tax rate in Continental?
Continental has an effective property tax rate of 0.984%, based on a median home value of $150,400 and median real estate taxes of $1,480. That is in line with the Putnam County average of 0.976%.
What is the average home price in Continental?
The median owner-occupied home value in Continental, Ohio is $150,400, against $191,600 across Putnam County.
Is it cheaper to rent or buy in Continental?
Median gross rent in Continental is $656 a month, against $1,318 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Continental — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Ohio.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.